Fortunately, the category of concern you mentioned belongs to the five-level credit classification, normal, concerned, secondary, suspicious and loss.

Only subprime loans, doubtful loans and losses are non-performing loans.

However, if you are listed as a concern, it is not that you can't get a loan from the bank, but the approval process may be complicated. In addition, your loan interest rate is generally not the basic interest rate, and it is likely to be 1.x (for example, 1. 1) times the basic interest rate.